Jobs at Encore Bank

Underwrite moderately complex commercial loan requests, analyze borrower financial statements and cash flow, assess credit and industry risks, prepare credit packages and memos, conduct covenant monitoring and annual reviews, evaluate collateral, and ensure compliance with bank policies, regulatory requirements, and risk appetite. Collaborate with relationship and portfolio managers while supporting sound lending decisions.

Coordinates commercial loan documentation, closings, renewals, modifications, extensions, payments, payoffs, and advances. Works with clients, Loan Operations, insurance agents, title companies, and attorneys to obtain documentation and resolve exceptions. Supports loan reviews, monitors past-due and maturing loans, and provides administrative and sales support to Commercial Relationship Managers and the Regional President. Provides customer service for deposit, treasury, and lending requests and may occasionally cover retail branch operations.

Coordinates commercial loan documentation, closings, renewals, modifications, extensions, payments, payoffs, and advances. Works with Loan Operations, clients, insurance agents, title companies, and attorneys to resolve exceptions and support annual reviews. Provides customer service for deposit, treasury, and lending requests, while assisting Commercial Relationship Managers and the Regional President with administrative and sales support. May occasionally cover retail branch duties.

Manages commercial loan portfolios across non-owner-occupied CRE, C&I, and SBA lending. Reviews financial data, structures loans, prepares credit memos and offering memoranda, evaluates risk, monitors covenants and borrower performance, and ensures policy compliance. Partners with Relationship Managers, Credit Analysts, underwriters, approvers, and clients while mentoring junior analysts and overseeing portfolio asset quality, risk ratings, renewals, modifications, and construction-related credits.

Leads debit card operations, including card maintenance, disputes, fraud monitoring, chargebacks, digital wallet tokenization, reconciliations, customer support, and regulatory compliance. Serves as the subject matter expert, supports workflow oversight, trains team members, resolves complex issues, maintains audit documentation, and collaborates with finance and internal departments to ensure accurate and efficient operations.

Processes domestic and international wire transfers, verifies signatures, manages initiator and approver functions, balances Federal Reserve and correspondent bank accounts, completes daily settlements and reports, and maintains procedures. Provides operational support to branches and internal departments while following bank policies, audit controls, BSA/OFAC, CIP, AML, and other regulatory requirements. Investigates unusual activity, processes returned mail, and supports end-of-day and beginning-of-day operations.

Develops, retains, and grows commercial and middle-market banking relationships. Builds and manages a client portfolio, identifies financial needs, structures and analyzes complex credit transactions, evaluates financial statements and tax returns, presents loans to committees, negotiates credit terms, monitors repayment, and solicits new business. Coordinates treasury management solutions, provides exceptional client service, participates in community affairs, and may supervise one to two employees.

Underwrites commercial loans and assesses credit risk for business borrowers across real estate, construction, industrial, franchise, equipment, and SBA lending. Reviews financial statements, tax returns, cash flow, collateral, guarantor strength, and credit reports; prepares credit memos, evaluates loan structures, monitors portfolios, performs covenant checks, and recommends risk ratings. The role also supports relationship and credit officers, reviews junior analysts’ work, and ensures compliance with bank policies.

Analyzes commercial loan financials, cash flows, collateral, risk ratings, and asset quality. Prepares credit memos, reviews loan documentation, monitors borrowing bases and construction draws, addresses underwriting questions, and supports approval decisions. Partners with relationship managers, credit analysts, underwriters, clients, and senior leadership to manage portfolio risk and ensure compliance with bank policies.